Planning for bad events is a sensible thing to do in especially when it comes to health; although you may never need critical health insurance, it is preferable to have it an not use it than the opposite! This is a case of providing the essentials of living in today's world for your loved ones in the event of your untimely death.Unfortunately, despite longer lives, we are not generally healthier and insurance providers now routinely offer cover in their policies as there is a reasonably high probability of contracting a serious condition. These studies make for somber reading when you consider around one in five men will contract one of these conditions before they reach retirement age. The studies only provide women with a little better chance with one in six having serious health problems by the time they stop work.Lack of knowledge or belief in the chances of contracting an illness like this might be the main reason why so few adults take out critical illness insurance protection, according to insurance companies. The main reason critical illness cover is to protect mortgage repayments and this is why insurance companies will normally offer it as part of a mortgage agreement.More and more people now use the Internet to source their insurance cover and there has been an increase in the number of people who are arranging their health policies online. For obvious reasons there will be certain things that require physical evidence so these plans are not always smooth sailing to organize. Understandably, insurance providers want to see physical proof that the applicant does not have any outstanding conditions before they arrange the coverage. Insurers do not want to alienate their critical illness insurance customers so are learning to be more sympathetic when contacted.Of course smokers will pay more for their cover, even if they have given up within the previous year as they are still believed to be in a high risk group. Smoking is considered extremely hazardous to your health but other factors must be considered as well because you may have a dangerous job or pastime, you may be aging or already suffer with poor health.However, the purpose of applying for critical illness insurance protection is to make sure that even if a terminal illness is diagnosed, even in the event that you will spend most of your life in  wheelchairs , surgery is required or even a period of unemployment, that benefits will be forthcoming to cover living expenses. Family responsibilities are never easy but ensuring your family is looked after if you are diagnosed with a terminal condition does not have to cost the earth.